IFSC Code of Capital Small Finance Bank Limited, Kharar Branch, Punjab

Use this page as a one-stop reference for everything related to Capital Small Finance Bank Limited's KHARAR branch in MOHALI, PUNJAB. The branch's IFSC code CLBL0000188 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Capital Small Finance Bank Limited's KHARAR branch, the IFSC CLBL0000188 breaks down as follows: CLBL identifies the bank, 0 is the reserved character, and 000188 identifies this particular branch.

Branch details at a glance

Bank profile

Capital Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharar branch — IFSC CLBL0000188 — extends the bank's services to customers in and around Mohali, Punjab.

About the Kharar branch

The Kharar branch of Capital Small Finance Bank Limited is situated at ATLAS SQUARE,CHANDIGARH ROAD,NEAR NIJJAR CHOWK,KHARAR SAS NAGAR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CLBL0000188 is used.

Why every Capital Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHARAR of Capital Small Finance Bank Limited — its own 11-character IFSC. The code CLBL0000188 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CLBL0000188 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CLBL0000188

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC CLBL0000188 across all three.

How to use IFSC CLBL0000188 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Capital Small Finance Bank Limited's KHARAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CLBL0000188.
4. Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as KHARAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CLBL0000188

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Capital Small Finance Bank Limited – KHARAR, ensure your bank's portal accepts IFSC CLBL0000188 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Capital Small Finance Bank Limited – KHARAR, use IMPS. With IFSC CLBL0000188 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CLBL0000188 for Capital Small Finance Bank Limited – KHARAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Kharar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC CLBL0000188

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Capital Small Finance Bank Limited – KHARAR is still mapped to IFSC CLBL0000188. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC CLBL0000188 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kharar branch

Once you have an account at Capital Small Finance Bank Limited – KHARAR, the IFSC CLBL0000188 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Kharar branch can access most of Capital Small Finance Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC CLBL0000188

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Capital Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CLBL0000188 and the account number together uniquely identify the Kharar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kharar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CLBL0000188 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Capital Small Finance Bank Limited – KHARAR:

• The IFSC is exactly CLBL0000188 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Capital Small Finance Bank Limited as the bank name and KHARAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Kharar branch

The branch is located at ATLAS SQUARE,CHANDIGARH ROAD,NEAR NIJJAR CHOWK,KHARAR SAS NAGAR, which puts it inside Mohali, the broader Sas Nagar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Capital Small Finance Bank Limited Kharar branch” — the verified location pin for IFSC CLBL0000188 should appear at the top of the results.
2. Confirm the branch is open by calling 181-5050759 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC CLBL0000188 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000188 for Capital Small Finance Bank Limited – KHARAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kharar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000188, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CLBL0000188 is the IFSC code of Capital Small Finance Bank Limited, KHARAR branch, in MOHALI, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.